Rephonic
Artwork for How to Retire on Time

How to Retire on Time

Kedrec Wealth
Retirement Planning
Social Security
Investment Strategies
Tax Planning
Financial Planning
Annuities
Retirement
Inflation
S&P 500
Tax Minimization
IRA
Investments
Medicare
Real Estate
Financial Advice
4% Rule
Life Insurance
Taxes
Stock Market
Roth IRA

Welcome to How to Retire on Time, a show that answers your retirement questions. Say goodbye to the oversimplified advice you've heard hundreds of times. This show is about getting into the nitty-gritty so you can make better decisions as you prepare for retirement. Text your questions to 913-363-1234 and we'll feature them on the show. Don't forget to grab a copy of the book, How to Retire on Tim... more

PublishesDailyEpisodes445Founded2 years ago
Number of ListenersCategories
InvestingEducationHow ToBusiness

Listen to this Podcast

Artwork for How to Retire on Time

Latest Episodes

The following is a clip from Mike's weekly show. 

One word retirees use to describe their money is quietly costing them thousands.

Ready to build a retirement plan around your life, not a product?  

Get the free book and tools 👉 RetireOnTime.com/F... more

The following is a clip from Mike's weekly show. 

One word retirees use to describe their money is quietly costing them thousands.

Ready to build a retirement plan around your life, not a product?  

Get the free book and tools 👉 RetireOnTime.com/F... more

The real question isn't how much cash you need, it's which of the three reserve strategies fits your retirement so a market crash never forces your hand.

Ready to build a retirement plan around your life, not a product?  

Get the free book and tool... more

When one spouse passes, the surviving spouse doesn't just lose income, they get bumped into a higher tax bracket, lose one Social Security check, and watch their Medicare costs climb.

Ready to build a retirement plan around your life, not a product?... more

Key Facts

Contact Information
Podcast Host
Number of Listeners
Find out how many people listen to this podcast per episode and each month.

Similar Podcasts

People also subscribe to these shows.

Ready For Retirement
Ready For RetirementJames Conole, CFP®
Retirement Answers
Retirement AnswersJacob Duke, CFP®
Retirement Starts Today
Retirement Starts TodayBenjamin Brandt CFP®, RICP®
Your Money, Your Wealth
Your Money, Your WealthYour Money, Your Wealth
Retirement Answer Man
Retirement Answer ManRoger Whitney, CFP®, CIMA®, RMA, CPWA®

Recent Guests

Dr. Hemmer
Psychologist and author focused on retirement psychology
Episode: The 4 Things Retirement Steals From You (And How to Get Them Back)
Dr. Richard Himmer
Author of Your Encore Years; retirement psychology expert
Author, Your Encore Years
Episode: What Many People Miss When Preparing for Retirement
David Franzen
Episode: How to Big Beautiful Bill Could Affect Your Retirement
Tammy Reid
Optimistic, kind, and humble volunteer, involved in charity work helping those affected by domestic abuse.
Episode: Why Charity Matters (With Tammy Reid and Other Guests)
Amy Cox
Executive Director of Flourish Furniture Bank, which provides furniture and home essentials to families in need.
Flourish Furniture Bank
Episode: Why Charity Matters (With Tammy Reid and Other Guests)
Cindy McDavitt
Chair of the Kansas City Committee of Giving Machines, overseeing charitable vending machine initiatives.
Giving Machines
Episode: Why Charity Matters (With Tammy Reid and Other Guests)

Hosts

Michael Decker
Host of the show and Kedrick Wealth contributor; frequently introduces topics and guides Q&A sections.
David Franzen
Co-host and guest interlocutor; frequent contributor on retirement planning concepts and tax-aware strategies.

Reviews

4.3 out of 5 stars from 12 ratings
  • Stay out of politics

    Mayor Mandan is not a socialist as you have said. He is a Democratic Socialist who proposes the Nordic Model. you got a bunch of very successful. Scandinavian counties that has disproven your argument.

    Apple Podcasts
    1
    Mr Natty Boh
    United States4 months ago
  • DIY soon to be retired

    This quickly became one of my favorite podcasts. The content is so useful and explained in easy to understand manner.

    Apple Podcasts
    5
    PDC2025
    United States7 months ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Valuable for investors seeking long-term, disciplined retirement frameworks.
Practical retirement planning with actionable steps; deep dive into tax and withdrawal strategies.
Clear, accessible discussions balancing theory with real-world applications.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Talking Points

Recent interactions between the hosts and their guests.

Your Retirement Plan Is Built for Markets That Go Up. Here's What Happens When They Don't.
Q: Should I pay off my house or invest the money when I retire?
If you can earn more money elsewhere, it often makes more financial sense to invest than to pay off a low-interest mortgage, though the decision should consider sleep factor and personal risk tolerance.
When to Start Lifetime Income
Q: Hey Mike, once you buy an annuity, is it better to take it when you retire, or wait so the income amount gets bigger?
The best approach depends on your longevity expectations, tax situation, and other assets. A break-even analysis helps, but you must also consider how delaying income affects taxes, asset location, and the potential to deploy other tax-efficient strategies like Roth conversions or delaying high-tax income. In some cases delaying can lead to a higher after-tax position later, but it's not universal; coordinate across all income sources for tax efficiency and overall growth.
Why You May Want the Market to Crash When you Retire
Q: Hey Mike, is it true that the first five years of retirement are the most risky for your portfolio?
David explains that sequence-of-returns risk matters because you're earning on a smaller base after big down years, so withdrawals can magnify losses and extend the time needed to recover.
Why You May Want to Diversify by Strategy, not Just by Positions
Q: Hey Mike, what's your favorite strategy or method for managing a portfolio?
Mike explains a blended approach: overweight high-quality stocks within a diversified index framework, combine active and passive components, and use targeted momentum and absolute return ideas to adapt to changing markets; the emphasis is on diversification by strategy, not just by asset type.
What Has Worked May Not Continue to Work
Q: How should someone think about balancing growth with income in retirement when markets are volatile?
The guests discuss risk mitigation, pulling income from protected sources, and balancing volatility with steady returns to support retirement needs.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

Listeners per Episode
Gender Skew
Location
Interests
Professions
Age Range
Household Income
Social Media Reach

Frequently Asked Questions About How to Retire on Time

What is How to Retire on Time about and what kind of topics does it cover?

A retirement-focused show that prioritizes practical, nuanced planning over slick, one-size-fits-all advice. Episodes consistently tackle tax planning, Social Security timing, withdrawal strategies, and long-term care, often using real-life scenarios to illustrate disciplined approaches to building reserves, sequencing withdrawals, and balancing growth with protection. Noteworthy is the frequent use of frameworks (e.g., BUILD, reserves strategy) and a candid stance on industry marketing tactics, with guests and hosts from Kedrick Wealth and related affiliations reinforcing a disciplined, question-driven approach. The show often blends traditional financial planning concepts with current policy discussions and occasionally tech-assisted plan... more

Where can I find podcast stats for How to Retire on Time?

Rephonic provides a wide range of podcast stats for How to Retire on Time. We scanned the web and collated all of the information that we could find in our comprehensive podcast database. See how many people listen to How to Retire on Time and access YouTube viewership numbers, download stats, audience demographics, chart rankings, ratings, reviews and more.

How many listeners does How to Retire on Time get?

Rephonic provides a full set of podcast information for three million podcasts, including the number of listeners. View further listenership figures for How to Retire on Time, including podcast download numbers and subscriber numbers, so you can make better decisions about which podcasts to sponsor or be a guest on. You will need to upgrade your account to access this premium data.

What are the audience demographics for How to Retire on Time?

Rephonic provides comprehensive predictive audience data for How to Retire on Time, including gender skew, age, country, political leaning, income, professions, education level, and interests. You can access these listener demographics by upgrading your account.

How many subscribers and views does How to Retire on Time have?

To see how many followers or subscribers How to Retire on Time has on Spotify and other platforms such as Castbox and Podcast Addict, simply upgrade your account. You'll also find viewership figures for their YouTube channel if they have one.

Which podcasts are similar to How to Retire on Time?

These podcasts share a similar audience with How to Retire on Time:

1. Ready For Retirement
2. Retirement Answers
3. Retirement Starts Today
4. Your Money, Your Wealth
5. Retirement Answer Man

How many episodes of How to Retire on Time are there?

How to Retire on Time launched 2 years ago and published 445 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

How do I contact How to Retire on Time?

Our systems regularly scour the web to find email addresses and social media links for this podcast. We scanned the web and collated all of the contact information that we could find in our podcast database. But in the unlikely event that you can't find what you're looking for, our concierge service lets you request our research team to source better contacts for you.

Where can I see ratings and reviews for How to Retire on Time?

Rephonic pulls ratings and reviews for How to Retire on Time from multiple sources, including Spotify, Apple Podcasts, Castbox, and Podcast Addict.

View all the reviews in one place instead of visiting each platform individually and use this information to decide if a show is worth pitching or not.

How do I access podcast episode transcripts for How to Retire on Time?

Rephonic provides full transcripts for episodes of How to Retire on Time. Search within each transcript for your keywords, whether they be topics, brands or people, and figure out if it's worth pitching as a guest or sponsor. You can even set-up alerts to get notified when your keywords are mentioned.

What guests have appeared on How to Retire on Time?

Recent guests on How to Retire on Time include:

1. Dr. Hemmer
2. Dr. Richard Himmer
3. David Franzen
4. Tammy Reid
5. Amy Cox
6. Cindy McDavitt

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

Find and pitch the right podcasts

We help savvy brands, marketers and PR professionals to find the right podcasts for any topic or niche. Get the data and contacts you need to pitch podcasts at scale and turn listeners into customers.
Try it free for 7 days